My coworkers is married and getting a mortgage, so wants insurance. He asked on company e-mail if anyone knew of a company that would sell him life insurance for a reasonable price. I don't have any life insurance, but I have always had property or renter's insurance as appropriate, so I asked my insurance company if they covered pilots. They said:
Dear Mr. Anonymous,
Thank you for the inquiry with Canada Life. Yes, we do approve commercial pilots.
However, each case is underwritten individually, and individual circumstances are evaluated. We look at the total number of solo hours, age of the applicant, locations where the flying is done, what kind of hazardous conditions are involved, and more.
After an application is received, from a commercial pilot, we would either mail out our aviation questionnaire if the applicant prefers, or we can have our teleunderwriters gather the information by doing a telephoned interview. This is our fastest way to have a final decision on an insurance application.
I'm not going to object to a knowledgeable analysis of the risk posed by a particular client but solo hours? Solo hours become largely irrelevant after finishing the requirements of the private licence. It makes the insurance company sound like someone's mother. He's already spoken to this company, it turns out, and they gave him a quote that seems to indicate they don't think he has good odds to last out the year. I guess he doesn't have enough "solo hours" for them.
And yes, they did call me Mister.